Specializing in Mortgages, Asset Loans, Personal loans, Commercial loans, Life Insurance, Asset Insurance and Landlord Insurance.


We provide a solution to all the needs of our clients with a network of the most accredited and professional partners in the following areas

Personl loans
Need to borrow some money? Our experts can provide you with professional choices.

- Boat Caravan

- Debt consolidation

- Education 

- Funeral 

- Home furnishing 

- Home improvement 

- Household appliances 

- Investment

- Medical expenses

- Motorcycle or scooter

- New or used motor vehicles Refinance (1 debt only) 

- Tax debt 

- Trailer 

- Travel 

- Vehicle expenses 

- Wedding 

- Special Loan Purposes

- Debt consolidation of Pay

Personal Loans

Asset Insurance

Asset Insurance

Cover your assets and don't run the risk of losing it all!

- Building and Content

- Insurance

- Landlord Insurance

- Motor Vehicle Insurance

- Caravan and Trailer Insurance

Need a house? You don't need a big deposit as we specialise in low deposit home loans.

- Purchases

- Refinance

- Constructions

- Low Deposit

- Medical Practitioners

- Bad Credit


Asse Loans
Looking for another investment property or new assets?

- Personal Car loans

- Boat 

- Caravans

- Commercial ABN

- Vehicle

- Equipment

Asset Loans

Commercial Loans

Commercial Loans

Whether you want to buy a commercial property, or need to refinance your existing commercial debt, we can tailor a loan solution to suit your specific requirements.
Life insurance

Life insurance

Cover yourself for disability, income protection and more.

- Life 

- Income protection

- Trauma

- Total & Permanent Disability

Commercial Loans

Landlord Insurance

We can help cover you for your rental property. Just ask us how!
Landlord Insurance


- Dwellings

- First home buyers

- Investors

Landlord Insurance
Loan Calculators
Need help calculating finances, credit, loan capabilities and more?


In the business.

Whether you're a first home buyer, a corporate executive, a business owner, a property developer, one with an unusual scenario or a low deposit, it doesn't matter. At Universal Lending we're here to help people achieve clear solutions today, for the future.


Our qualifications:


PIPA Property Investment professional Australia - Individual Member

Diploma Of Management - 2012 ABEX Group

Diploma in Finance and mortgage broking management - 2016 Holmesglen - Victoria

MFAA and CIO Member

Mentored by Industry Proffessional Sue Hayter

Our brokers help people like you obtain finance and insurance every day. Your personal adviser will tailor a solution for you that is straightforward and effective.


Universal Lending


Janitha Silva

17 Priscilla Place, Pakenham, VIC 3810

Email: janitha@universallending.com.au
Tel:  0437 773 359


For any inquiries, please fill in the following contact form:

Thank you, we will be in touch as soon as possible.